Accident Insurance. from Allstate Benefits. Protection for accidental injuries off-the-job

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1 Accident Insurance from Allstate Benefits Benefits are paid to you Protection for accidental injuries off-the-job CHOOSE You choose the benefits to help protect yourself and any family members from accidental injury expenses USE You experience an accidental injury and seek medical attention from a medical professional CLAIM You go online and file a claim. The cash benefits are paid to you, to use however you wish Even when you live well, accidents happen. Treatment can be vital to recovery, but it can also be expensive. And if an accident keeps you away from work during recovery, the financial worries can grow quickly. 3/4Outside Work 1/4 At Work Nearly three-fourths of medically consulted injuries take place outside of work. 1 Most major medical insurance plans only pay a portion of the bills. Our coverage can help pick up where other insurance leaves off and provide cash to help cover the expenses. With accident insurance from Allstate Benefits, you can gain the advantage of financial protection, thanks to the cash benefits paid directly to you. You also gain the financial empowerment to seek the treatment needed to get well. Key Features Guaranteed Issue coverage, meaning no medical questions to answer Coverage available for spouse and child(ren) Premiums are affordable and are conveniently payroll deducted Coverage can be continued, as long as premiums are paid to Allstate Benefits See reverse for plan details Here s How It Works Our coverage pays you cash benefits that correspond with a variety of covered occurrences, such as: dismemberment; dislocation or fracture; hospital confinement; ambulance services; physical therapy and more. The cash benefits can be used to help pay for deductibles, treatment, rent and more. It also covers accidents that occur outside of work. Work related accidents may be covered under workers compensation. If you have an accident at work, contact your supervisor immediately and follow reporting instructions on Stream. With Allstate Benefits, you can protect your finances against life s slips and falls. Are you in Good Hands? You can be. 1 National Safety Council, Injury Facts, 2014 Edition ABJ32904X Allstate Benefits allstatebenefits.com

2 YOU DECIDE how to use the cash benefits Our cash benefits provide you with greater coverage options because you get to determine how to use them. Finances Can help protect your HSAs, savings, retirement plans and 401ks from being depleted Travel You can use your cash benefits to help pay for expenses while receiving treatment in another city Home You can use your cash benefits to help pay the mortgage, continue rental payments, or perform needed home repairs for your after care Expenses The lump-sum cash benefit can be used to help pay your family s living expenses such as bills, electricity and gas Benefits Base Policy Accidental Death Common Carrier Accidental Death Dismemberment Dislocation or Fracture Hospital Confinement Daily Hospital Confinement Intensive Care Ambulance Accident Physician Treatment X-ray Emergency Room Services Benefit Enhancements Lacerations Burns Skin Graft Brain Injury Diagnosis Paralysis Coma with Respiratory Assistance (n/a GA) Blood and Plasma General Anesthesia Appliance Medicine Physical Therapy Non-Local Transportation Ruptured Spinal Disc Surgery Eye Surgery Open Abdominal or Thoracic Surgery Medical Supplies Prosthesis Rehabilitation Unit Family Member Lodging Post-Accident Transportation Accident Follow-up Treatment Tendon, Ligament, Rotator Cuff or Knee Cartilage Surgery Computed Tomography (CT) Scan and Magnetic Resonance Imaging (MRI) How To Enroll You can enroll in Allstate accident insurance when you make your regular benefit elections through windstreambenefits.com. Access Your Benefits and Claim Filings Accessing your benefit information using MyBenefits has never been easier. MyBenefits is an easy-to-use website that offers you 24/7 access to important information about your benefits. Plus, you can submit and check your claims (including claim history), request your cash benefit to be direct deposited, make changes to personal information, and more. For use in enrollments sitused in: AR Allstate Benefits is the marketing name used by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation Allstate Insurance Company. or allstatebenefits.com This material is valid as long as information remains current, but in no event later than August 12, Group Accident benefits are provided by policy form GVAP2, or state variations thereof. Coverage is provided by Limited Benefit Supplemental Accident Insurance. The policy is not a Medicare Supplement Policy. If eligible for Medicare, review Medicare Supplement Buyer s Guide available from Allstate Benefits. This information highlights some features of the policy but is not the insurance contract. For complete details, contact your Allstate Benefits Agent. This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office, Jacksonville, FL). Details of the insurance, including exclusions, restrictions and other provisions are included in the certificates issued. The coverage does not constitute comprehensive health insurance coverage (often referred to as major medical coverage ) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

3 Group Voluntary Accident (GVAP2) Off-the-Job Accident Insurance from Allstate Benefits See attached Important Information About Coverage. BENEFIT AMOUNTS Benefits are paid once per accident unless otherwise noted here or in the Important Information About Coverage. BASE ACCIDENT BENEFITS Accidental Death Employee $40,000 Spouse $20,000 Children $10,000 Common Carrier Accidental Death Employee $200,000 (fare-paying passenger) Spouse $100,000 Children $50,000 Dismemberment 1 Employee $40,000 Spouse $20,000 Children $10,000 Dislocation or Fracture 1 $4,000 Hospital Confinement (Pays once/year) $1,000 Daily Hospital Confinement (Pays daily) $200 Intensive Care (Pays daily) $400 Ambulance Ground $200 Air $600 Accident Physician s Treatment $100 X-ray $200 Emergency Room Services $200 BENEFIT ENHANCEMENTS Lacerations 2 (Pays once/year) $50 Burns 2 (Other than sunburns) < 15% of body surface $100 > 15% or more $500 Skin Graft (% of Burns Benefit) 50% Brain Injury Diagnosis 2 (Pays once) $150 Computed Tomography (CT) Scan and Magnetic Resonance Imaging (MRI) $50 Paralysis 2 (Pays once) Paraplegia $7,500 Quadriplegia $15,000 Coma with Respiratory Assistance (Pays once) $10,000 Open Abdominal or Thoracic Surgery 2 $1,000 Tendon, Ligament, Rotator Cuff Surgery $500 or Knee Cartilage Surgery Exploratory $150 Ruptured Spinal Disc Surgery $500 Eye Surgery $100 General Anesthesia $100 Blood and Plasma 2 $300 Appliance $125 1 Up to amount shown; see Injury Benefit Schedule on reverse. Multiple losses from same injury pay only up to amount shown. 2 Within 3 days after accident. See next page for additonal benefits and premiums ABJ32904X-Insert-WSS

4 BENEFIT ENHANCEMENTS Medical Supplies $5 Medicine $5 Prosthesis 1 device $500 2 or more devices $1,000 Physical Therapy (Pays daily; max. 6 days/accident) $30 Rehabilitation Unit (Pays daily) $100 Non-Local Transportation $400 Family Member Lodging $100 Post-Accident Transportation (Pays once/year) $200 Accident Follow-Up Treatment $50 INJURY BENEFIT SCHEDULE LOSS OF LIFE OR LIMB Life, or both eyes, hands, arms, feet, or legs, or one hand or arm and one foot or leg $40,000 One eye, hand, arm, foot, or leg $20,000 One or more entire toes or fingers $4,000 COMPLETE DISLOCATION Hip joint $4,000 Knee or ankle joint, bone or bones of the foot $1,600 Wrist joint $1,400 Elbow joint $1,200 Shoulder joint $800 Bone or bones of the hand, collarbone $600 Two or more fingers or toes $280 One finger or toe $120 COMPLETE, SIMPLE OR CLOSED FRACTURE Hip, thigh (femur), pelvis $4,000 Skull $3,800 Arm, between shoulder and elbow (shaft), shoulder blade (scapula), leg (tibia or fibula) $2,200 Ankle, knee cap (patella), forearm (radius or ulna), collarbone (clavicle) $1,600 Foot, hand or wrist $1,400 Lower jaw $800 Two or more ribs, fingers or toes, bones of face or nose $600 One rib, finger or toe, coccyx $280 PREMIUMS MODE EE EE + SP EE + CH F Bi-Weekly $4.80 $7.20 $9.60 $12.00 EE = Employee; EE + SP = Employee + Spouse; EE + CH = Employee + Child(ren); F = Family Benefit amounts for coverage and one occurrence are shown below. Covered spouse gets 50% of the amounts shown and children 25%. Covered spouse and children get 100% of the amounts shown. Knee joint (except patella). Bone or bones of the foot (except toes). Bone or bones of the hand (except fingers). Pelvis (except coccyx). Skull (except bones of face or nose). Foot (except toes). Hand or wrist (except fingers). Lower jaw (except alveolar process). For use in enrollments sitused in: AR. This rate insert is part of forms ABJ32904X and ABJ32904X-CertSpec and is not to be used on its own. This material is valid as long as information remains current, but in no event later than August 12, Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation Allstate Insurance Company. or allstatebenefits.com.

5 Group Voluntary Accident (GVAP2) Off-the-Job Accident Insurance Important Information About Coverage Provides details of base policy coverage in Arkansas. Below is a list of base policy benefits available with Group Accident coverage. Please refer to your employer chosen plan for the specific items that apply to your coverage. You will receive a certificate that details the certificate specifications for the coverage you purchased. Group Accident Issue ages are 18 and over if Actively at Work. Benefits Specifications (see Benefit Amounts) Accidental Death and Dismemberment - Multiple dismemberments from the same accident are limited to the amount shown in the Base Accident Benefits on front page of insert. Dislocation or Fracture - Multiple dislocations or fractures from the same accident are limited to the amount shown in the Base Accident Benefits on front page of insert. Hospital Confinement - Pays once/covered person/accident/year. Daily Hospital Confinement - Per day, max. 90 days/injury. Intensive Care - Per day, max. 90 days/injury. Benefit Enhancement Specifications (see Benefit Amounts) Lacerations - Within 3 days after accident. Brain Injury Diagnosis - Must be diagnosed within 30 days after accident. Pays once/covered person. Computed Tomography (CT) Scan and Magnetic Resonance Imaging (MRI) - Within 180 days of accident, if treatment received within 30 days of accident. Pays once/year. Coma with Respiratory Assistance - pays once/covered person. Ruptured Spinal Disc Surgery - 2 or more procedures through same entry point are considered 1 operation. Within 180 days after accident. Skin Graft - Within 90 days after accident. Tendon, Ligament, Rotator Cuff or Knee Cartilage Surgery - Within 180 days after accident. Eye Surgery - Within 90 days after accident. Rehabilitation Unit - Per day, max. 30 days confinement, max. 60 days/ year. Not paid if Daily Hospital Confinement benefit paid. General Anesthesia - Within 180 days after accident. Appliance - Within 90 days after accident. Medical Supplies - Within 90 days after accident; provided a benefit is paid under Accident Physician s Treatment or X-ray benefit. Medicine - Within 90 days after accident; provided a benefit is paid under Accident Physician s Treatment or X-ray benefit. Prosthesis - Within 180 days after accident. Physical Therapy - Not payable for chiropractic services or if Accident Follow-Up Treatment benefit paid. Provided a benefit is paid under Accident Physician s Treatment or X-ray benefit. Non-Local Transportation - Per trip, max. 3 times/accident. More than 100 miles from your home. Post-Accident Transportation - More than 250 miles from your home, by common carrier. Accident Follow-Up Treatment - Per day, max. 2 treatments/accident. Not paid if Physical Therapy benefit paid. Provided a benefit is paid under Accident Physician s Treatment or X-ray benefit. Conditions, Limitations and Exclusions Affecting Your Benefits Conditions and Limits When an injury results in a covered loss within 90 days (180 days for dismemberment or death), unless otherwise stated, from the date of an accident, and is diagnosed by a physician, Allstate Benefits will pay benefits as stated. Treatment must be received in the United States or its territories. Your Eligibility Your employer decides who is eligible for your group (such as length of service and hours worked each week). Dependent Eligibility/Termination (a) Coverage may include you, your spouse and children. (b) Coverage for children ends when the child reaches age 26, unless he or she continues to meet the requirements of an eligible dependent. (c) Spouse coverage ends upon valid decree of divorce or your death. When Coverage Ends Coverage under the policy ends on the earliest of: (a) the date the policy is canceled; (b) the last day of the period for which you made any required contributions; (c) the last day you are in active employment, except as provided under the Temporary Layoff, Leave of Absence or Family and Medical Leave of Absence provision; (d) the date you are no longer in an eligible class; (e) the date your class is no longer eligible; (f) upon discovery of fraud or material misrepresentation when filing a claim. Continuation of Coverage You may be eligible to continue coverage when coverage under the policy ends. You have 60 days after coverage under the policy ends to let us know if you wish to continue coverage. Accident and Benefit Enhancement Exclusions and Limitations Benefits are not paid for: (a) injury incurred before the effective date; (b) injury as a result of an on-the-job accident; (c) any act of war or participation in a riot, insurrection or rebellion; (d) self-inflicted injury; (e) suicide or attempt at suicide; (f) injury from being intoxicated or under the influence of any controlled substance unless taken on the advice of a physician; (g) participation in aeronautics unless a fare-paying passenger on a licensed common-carrier aircraft; (h) engaging in an illegal occupation, assault or felony; (i) driving in any race or speed test or testing any vehicle on any racetrack or speedway; (j) serving as an active member of the Military, Naval, or Air Forces of any country or combination of countries. Allstate Benefits is the marketing name used by American Heritage Life Insurance Company, a subsidiary of The Allstate Corporation Allstate Insurance Company. or allstatebenefits.com This material is valid as long as information remains current, but in no event later than August 12, Group Accident benefits are provided by policy form GVAP2 or state variations thereof. Coverage is provided by Limited Benefit Supplemental Accident Insurance. The policy is not a Medicare Supplement Policy. If eligible for Medicare, review Medicare Supplement Buyer s Guide available from Allstate Benefits. This information highlights some features of the policy but is not the insurance contract. For complete details, contact your Allstate Benefits Agent. This is a brief overview of the benefits available under the Group Voluntary Policy underwritten by American Heritage Life Insurance Company (Home Office, Jacksonville, FL). Details of the insurance, including exclusions, restrictions and other provisions are included in the certificates issued. The coverage does not constitute comprehensive health insurance coverage (often referred to as major medical coverage ) and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. ABJ32904X-CertSpec